Gavop shows you how to buy homeowners insurance in Oneida County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Oneida County, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Moore Rd, Woodside Ter, Dunbar Rd, Pine St, Mason Rd, Church Rd N, Moss Rd, Daywood Rd, Winmar Cres, Howanietz Rd | $127,000 | $120,000 | $150,000-$175,000 | $104,500 | $90,000 | $100,000-$125,000 |
| Perimeter Rd, Co Rd 75, Flagg St, Sterling Rd, Lovers Ln, Preston Hill Rd, Bethel Rd, Brooks Rd, State Rte 49, Davis Pl | $158,000 | $150,000 | $175,000-$200,000 | $91,000 | $80,000 | $75,000-$100,000 |
| Sherman Dr, Ward St, Clark St, McPherson St, Winchester Dr, Gulf Rd, Ave A, Co Rd 68, Compo Rd, Tilden Ln | $122,000 | $110,000 | $100,000-$125,000 | $139,500 | $130,000 | $125,000-$150,000 |
| Corduroy Rd, Kilbourne Rd, Harrogate Rd, Chestnut Hill, Ostrander Rd, Metott Rd, Belle Ave, Munz Rd, Garden Ln, Drive 38 | $128,500 | $120,000 | $125,000-$150,000 | $114,000 | $100,000 | $125,000-$150,000 |
| Owens Rd, Seymour St, Leland Ave, Weston Rd, State Rte 5b, Mayberry Rd, Bedford St, Croft Rd, Webster St, E Chestnut St | $169,500 | $150,000 | $150,000-$175,000 | $102,000 | $90,000 | $75,000-$100,000 |
| Crestview Dr, E 5th St, Mount Carmel Ln, Briarwood Ln, Ct Knolle, Wasmer St, Candlewood Ln, Graves Rd, Roosevelt Dr, Drive 13 | $190,000 | $160,000 | $175,000-$200,000 | $108,000 | $90,000 | $75,000-$100,000 |
| Swartz Rd, Drive 23, Echard Rd, Humaston St, Utica Rd, Lambert Rd, Old Orchard Rd, Front St, Boody Hill Rd, Walnut Dr | $176,000 | $150,000 | $175,000-$200,000 | $84,000 | $70,000 | $50,000-$75,000 |
| W Garden St, Cypress St, Paris Rd, Springate St, Stark St, Lakeshore Rd S, Brett St, Wandel Rd, Mulberry St, Carver St | $147,500 | $130,000 | $125,000-$150,000 | $138,500 | $120,000 | $125,000-$150,000 |
| Britt Pl, Loveland Rd, Rake Factory Rd, E Chestnut St, Harts Hill Cres, Holmes Rd, Lawrence Ave, Carlbrah Rd, Cross Rd, Lowell Ave | $120,500 | $100,000 | $100,000-$125,000 | $88,500 | $70,000 | $75,000-$100,000 |
| Sandy Pond Ln, Miner Ave, Marble Hill Rd, E Garden St, Fairview Ln, Ferris Ave, Toni Hill Rd, Co Rd 43A, Brainard St, Miller St | $97,500 | $80,000 | $75,000-$100,000 | $80,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$194 | $1,021 |
| Superior Protection Discount | -$109 | $1,106 |
| Fire & Security Discount | -$122 | $1,094 |
| Hail Resistant Roof Discount | -$36 | $1,179 |
| Newly Constructed Home Discount | -$292 | $924 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Oneida County | $1,000 | $1,201 | $2,201 | $873 | $1,873 | $328 |
| Oneida County, NY | $2,000 | $1,201 | $3,201 | $873 | $2,873 | $328 |
| Oneida Castle, NY | $200 | $594 | $794 | $432 | $632 | $162 |
| Oneida, NY | $700 | $948 | $1,648 | $689 | $1,389 | $259 |
| Bridgewater, NY | $200 | $585 | $785 | $425 | $625 | $160 |
| Brewerton, NY | $700 | $625 | $1,325 | $454 | $1,154 | $171 |
| Burlington, NY | $100 | $591 | $691 | $429 | $529 | $161 |
| Lakeland, NY | $2,000 | $612 | $2,612 | $444 | $2,444 | $167 |
| New Lisbon, NY | $300 | $599 | $899 | $435 | $735 | $164 |
| Palatine Bridge, NY | $1,500 | $583 | $2,083 | $424 | $1,924 | $159 |
| Inlet, NY | $400 | $1,228 | $1,628 | $892 | $1,292 | $336 |
| Morris, NY | $1,500 | $604 | $2,104 | $439 | $1,939 | $165 |
| Home Insurance Company Oneida County, NY | Homeowners Insurance Agency Oneida County, NY | Address | Popularity Score | Distance from Oneida County (miles) |
|---|---|---|---|---|
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd Ste 4w, Whitesboro, NY, 13492 | 11.1 | |
| Allstate | Joseph Zullo | 241 E Dominick St, Rome, NY, 13440 | 2.5 | |
| Allstate | Frederick Northup | 105 W Main St, Ilion, NY, 13357 | 25.4 | |
| Travelers | M L Croad Insurance Agency | 200 E Garden St, Rome, NY, 13440 | 1.8 | |
| State Farm | Glenn Carr | 3985 Oneida St Ste 202, New Hartford, NY, 13413-9733 | 15.3 | |
| State Farm | Nat Filippini | 1701 N James St, Rome, NY, 13440-2417 | 0.9 | |
| State Farm | Steve Jarvis | 1251 Erie Blvd W, Rome, NY, 13440 | 3.0 | |
| State Farm | Christine Mccluskey | 430 Trenton Ave, Utica, NY, 13502-1614 | 14.2 | |
| State Farm | Matt Roe | 2530 James St, Syracuse, NY, 13206-2823 | 36.2 | |
| State Farm | Eileen Zoghby | 605 Old Liverpool Rd, Liverpool, NY, 13088-6032 | 39.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $830 | $1,650 | $820 |
| Oneida County, NY | $120,000 | $1,215 | $860 | $1,710 | $850 |
| Oneida County, NY | $120,000 | $1,215 | $870 | $1,710 | $840 |
| Oneida Castle, NY | $118,000 | $601 | $430 | $860 | $430 |
| Oneida, NY | $110,000 | $960 | $660 | $1,320 | $660 |
| Bridgewater, NY | $81,800 | $592 | $420 | $810 | $390 |
| Brewerton, NY | $143,900 | $633 | $460 | $910 | $450 |
| Burlington, NY | $113,500 | $598 | $430 | $830 | $400 |
| Lakeland, NY | $134,400 | $619 | $450 | $850 | $400 |
| New Lisbon, NY | $122,800 | $606 | $420 | $850 | $430 |
| Palatine Bridge, NY | $90,800 | $590 | $420 | $840 | $420 |
| Inlet, NY | $307,700 | $1,243 | $880 | $1,780 | $900 |
| Morris, NY | $127,900 | $611 | $410 | $870 | $460 |